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The new estimates of the detailed individual, employment, and job characteristics associated with health insurance loss and gain from the matched CPS have important policy implications. New policies should consider not just how to cover the uninsured, but how to retain coverage for those who have the least health insurance security. One of the most important of these groups is workers at very small employers. Most employer-focused insurance reforms do not address health insurance coverage for this population, but the authors' research shows that it is precisely these very small firms that are associated with the highest rates of insurance loss and the lowest rates of gain.
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